TellerScore

SouthEast Bank is a state-chartered bank (fed member) headquartered in Farragut, Tennessee, in business for about 24 years. At the end of Q2 2026 it reported $3.6B in total assets and $3.2B in deposits, with 15 offices.

SouthEast Bank has a TellerScore of 36 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 108th. Funding & liquidity contributes the most (55/100, 96% loans-to-deposits, 23% uninsured); loan quality contributes the least (11/100, 2.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.51%
Loan quality11/100
Noncurrent loans ÷ total loans: 2.66%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 96.1% · 23.4% uninsured
Problem-loan coverage49/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 25.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (31 → 36), mostly because the problem-loan coverage component improved by 15 points.

TellerScore
313845Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202441
Q4 202445
Q1 202532
Q2 202531
Q3 202531
Q4 202532
Q1 202634
Q2 202636
Tier 1 leverage ratio
5.00%7.09%9.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.75%
Q3 20249.13%
Q4 20249.19%
Q1 20258.90%
Q2 20258.28%
Q3 20258.24%
Q4 20258.54%
Q1 20268.51%
Q2 20268.51%
Noncurrent loans
2.32%2.99%3.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.60%
Q3 20242.68%
Q4 20242.32%
Q1 20253.66%
Q2 20253.33%
Q3 20253.30%
Q4 20253.43%
Q1 20262.73%
Q2 20262.66%
Return on assets
0.60%0.83%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.01%
Q4 20240.93%
Q1 20250.64%
Q2 20250.69%
Q3 20250.69%
Q4 20250.68%
Q1 20260.60%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202636$3.6B8.51%2.66%0.75%96.1%
Q1 202634$3.6B8.51%2.73%0.60%97.2%
Q4 202532$3.5B8.54%3.43%0.68%95.7%
Q3 202531$3.4B8.24%3.30%0.69%96.6%
Q2 202531$3.3B8.28%3.33%0.69%95.9%
Q1 202532$3.3B8.90%3.66%0.64%94.5%
Q4 202445$3.0B9.19%2.32%0.93%92.4%
Q3 202441$2.9B9.13%2.68%1.01%93.8%
Q2 202442$2.8B8.75%2.60%1.05%92.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.51%
6th
Total risk-based capital13.30%
46th
Problem loans2.66%
5th
Net charge-offs0.10%
32nd
Return on assets0.75%
17th
Net interest margin3.37%
30th
Efficiency ratio71.3%
19th
Loans to deposits96.1%
23rd
Uninsured deposits23.4%
75th
Loan-loss reserves0.59%
6th
Texas ratio25.6%
2nd

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Lawrence BankBank Nashville, TN69 out of 100, Moderate$3.0B9.8%0.17%vs
Home Federal Bank of TennesseeBank Knoxville, TN57 out of 100, Moderate$2.7B17.2%3.92%vs
Commercial BankBank Harrogate, TN77 out of 100, Strong$2.4B11.6%0.35%vs
Builtwell BankBank Chattanooga, TN73 out of 100, Strong$2.3B9.7%0.57%vs
Bank of TennesseeBank Kingsport, TN67 out of 100, Moderate$2.3B9.6%0.45%vs
Citizens National BankBank Sevierville, TN82 out of 100, Strong$2.0B11.2%0.04%vs

Deposit insurance

Is my money safe at SouthEast Bank?

Yes. SouthEast Bank is an FDIC-insured institution (FDIC certificate #57348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.4% of deposits ($755.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.51%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.30% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

SouthEast Bank lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, SouthEast Bank reported 494 home-loan applications under HMDA (LEI 54930089R5VSN6GVCK47): 388 originated ($103,950,000 total), 55 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
SouthEast Bank
Former names
SouthEast Bank & Trust
Type
State-chartered bank (Fed member)
FDIC certificate #
57348
RSSD ID
3110197
Primary regulator
FED
Holding company
Education Loan Finance Inc
Established
April 29, 2002
Headquarters
12700 Kingston Pike, Farragut, TN 37934
Employees
316

Quick answers

SouthEast Bank: common questions

Is SouthEast Bank FDIC insured?

Yes. SouthEast Bank is an FDIC-insured institution (FDIC certificate #57348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is SouthEast Bank's TellerScore?

36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has SouthEast Bank ever failed?

There is no failure record for FDIC certificate #57348 in the FDIC failed bank list.

How many branches does SouthEast Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Farragut

InstitutionScoreAssetsCapitalProblem loansCompare
Knoxville Firefighters Federal Credit UnionCredit union Knoxville, TN98 out of 100, Very strong$36.6M20.2%0.08%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
New South Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$90.3M14.9%0.11%vs
Alcoa Municipal Employees Federal Credit UnionCredit union Alcoa, TN94 out of 100, Very strong$4.5M18.9%0.00%vs
Knox County Teachers Federal Credit UnionCredit union Knoxville, TN93 out of 100, Very strong$34.4M15.5%0.01%vs